Affordable Teen Auto Insurance -- Ways Kids Can Help

The time comes when your little kid becomes a teen and wants to drive like others. This should have been a clearly joyous moment but for some reasons, it's filled with mixed feelings. While you pray that your teen stays safe behind wheels, you're also concerned that it would raise your costs. Add gas costs! Furthermore, your premiums might triple just because of this teen driver, your teen. Thankfully, it's NOT like the weather. You can do more than complain. You can take sure steps to pay less. Let's take a look at them...

I will list several things and then dwell more on just one (the last point)...

1. It's a very sensible move to have your teen contribute part of their premium. Teens you pay their own bills tend to be more responsible behind wheels. They are also more open to any ideas that will help them cut down costs.

2. Make him/her a secondary driver on your oldest car (Such a car should be ok without comprehensive and collision coverage).

3. Let your kid learn to drive at a driving school and NOT on their own. If they did learn on their own, let them take a course in defensive driving. Auto insurance providers have a favorable bias to teens that do this.

4. Encourage your teen to take his/her studies seriously. Good grades will drive down their rate. Auto insurers believe students who maintain good grades are less prone to recklessness.

5. Kids who drive cars that have high safety ratings pay less on auto insurance.

6. Whenever they can, let your teen use the public transport system. It will cut down mileage and reduce your rates. And did I point out that you'll save on gas too?

7. Teens grew up with the internet and so are usually very good at finding their way around it. Let this work to your mutual benefit...

Your teen will definitely do a more extensive comparison shopping online than you'll do. Don't they have more time on their hands than you do?

Just tell them that you want the best price to value ratio. Let them get and compare quotes up to five reputable sites.

Tell them to pick out the very best five or so quotes. You can go through those short listed and make the final decision. This simple action will save you several hundreds in premium dollars.

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